Wednesday, December 21, 2011

#MONKEY BUSINESS AND MORE IN# VIZAG

CUTE MONKEY HELLO! - copyright - jaya bhargava mahajan

CUTE MONKEY HELLO! - copyright - jaya bhargava mahajan

CUTE MONKEY HELLO! - copyright - jaya bhargava mahajan

CUTE MONKEY HELLO! - copyright - jaya bhargava mahajan

CUTE MONKEY HELLO! - copyright - jaya bhargava mahajan

VIZAG - copyright - jaya bhargava mahajan

VIZAG - copyright - jaya bhargava mahajan

VIZAG - copyright - jaya bhargava mahajan

VIZAG - copyright - jaya bhargava mahajan

VIZAG - copyright - jaya bhargava mahajan

VIZAG - copyright - jaya bhargava mahajan

VIZAG - copyright - jaya bhargava mahajan

VIZAG - copyright - jaya bhargava mahajan

VIZAG - copyright - jaya bhargava mahajan

VIZAG - copyright - jaya bhargava mahajan

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Dear reader, please remember your comments are eagerly awaited! And please spend a few seconds to take the poll on your right, its anonymous like the comment section!

Monday, October 24, 2011

"Men can be weak too."

"Men can be weak too." - a first person account...


 
To,

The National Commission for Women, India.

Subject: URGENT APPEAL FROM A HARASSED HUSBAND

Hello,

With all due respect to the NCW and your remarkable work for the rights of women, I would like to bring to your notice that men in our country seem to have no-where to turn, when faced with cruelty by women in their domestic lives. I request you to take cognizance of my appeal for help, as I am a married man living a nightmare of a life, due to the mental torture and harassment by my wife.

I ask you – does constantly insulting me and humiliating me in the eyes of others, amount to cruelty? Does ignoring all my love and attention while giving me the cold-silent treatment, amount to cruelty? Does indulging in power games and domestic politics, while turning a deaf ear to all my appeals for peace, amount to cruelty? Does ignoring the needs of my child and using my son to emotionally blackmail me, amount to cruelty? Does causing me professional harm by interfering through my office colleagues and destroying my career by giving me a bad reputation, amount to cruelty?

If your answer to even one of these scenarios is a yes, then please understand that I have suffered from all this and much-much more, at the hands of my wife. Can you turn down my appeal for help, just because I am a man and not a woman suffering in a bad marriage?

If the NCW is humane and really stands for ensuring happy-healthy families in which a small child can grow-up as a balanced adult, then I appeal to you to hear my story and help me to set right the hell that my marriage has become, at least for the sake of my small son…..

MY FACTFILE: 

My name is XXX. I am a software professional working in a private firm for the past 10 years. I live in Delhi. My wife's name is XXX. She is a housewife. She has a degree in physiotherapy. We got married on ....

MY FIRST MEETING WITH MY WIFE-TO-BE:
We first met in an arranged marriage scenario around Nov/Dec 2008. There I talked to her about my ideals of a bigger kind of living - like not being in the rat race, living a meaningful life, etc.

My parents informed her parents that I'm going on an official trip to Pune for a week. Privately I told her that I'm going on a yoga trip. I told her this because I believe that relationships are built on trust. I believe that a husband-wife relationship should be open. So, with complete confidence in her I told her the truth, as I didn't want my parents to face embarrassment. She rejected me. And much later I came to know that she told this to her parents too (on the day of the ‘roka’ ceremony).


MY SUBSEQUENT MEETINGS WITH HER:

Then in January, when my parents were in England for an emergency matter, her parents called my parents saying they were ready for the marriage. I decided to meet the girl once more to understand what made her change her mind. Since she was shy and said she took time to open up, I took it upon myself to meet her once more.

I asked her not to divulge the meeting to her family, because it would create pressure on me. I wanted to make her comfortable with me so that she could be frank with me. I told her this will help in making the right decision for both of us. She agreed.

MY FIRST IMPRESSIONS:
We met and she said a talk with her cousin made her change her mind. I tried to find out if she really was with me, or under some kind of pressure. She said she was with me. I believed her, thinking that her views must have changed about me.

Later, I got to know that my parents knew from her parents, that we were meeting. She herself divulged details to her parents about our meetings. When I asked her about it, she said it's not a big thing, and I should not mind that. I didn't know what was coming. I felt bad about these incidents but did not blame anyone.

I made efforts from my side to meet her and encourage a healthy discussion. She remained silent most of the time though. It did confuse me, but I felt it must be just her personality. She hardly discussed anything frankly with me. I told her everything and tried to get impressions from her about me.
When we had met the second time, i.e., when my parents were still in England, during our meeting a call from someone in her family would keep coming on my fiancée’s mobile in every 5 minutes, and then the next 5 minutes she would be talking to that person. She would ignore me during the course of those calls and I would leave her in private, which she was comfortable with.

Our talks would be interrupted every now and then. I found this a little awkward, but did not weigh it too much, thinking she was just getting comfortable.

I told her I can only talk to people who are interested in what I am saying otherwise I find it difficult to communicate. I cannot judge people. I just have to trust what they say and make a decision based on that.

I decided to say yes, after my parents returned from England. After some time the ‘roka’ happened.

THE INITIAL DAYS OF HER NASTINESS:

She started making fun of and cruel insinuations on my deep feelings and life-aspirations. With passing days I started getting negative feelings about her, because I started thinking that she values her own feelings way too much, while at the same time not caring about mine. I continued to remain very sensitive about her feelings.

She would call me in my office on her friend's insistence to test me, and if I tried to explain not to weigh such challenges, she seemed to hardly care. I would have to talk to her on the phone and then book late cabs to finish office work. Still I did not take it rudely.

Then sometimes when I was too tired I would ask her to put the phone down at night as I needed to go to office early. She always threatened me with dire consequences if I cut the phone. And I would heed to her demands as I was a sensitive person.

If I tried to really talk things out with her, she seemed to make fun of me and my thinking, and said that I'm just not cool.


HOW I WAS FORCED TO SAY “NO” TO THE ALLIANCE:
Along with her spite towards me, I also realized that her parents too did not value my parents much. That was the feeling reinforced every time we met.

After some more time I came to the conclusion that she was really not with me on life-goals, and instead of lingering on for a life-time, it's better to say no. This was better for both of us. So, I told my parents to say no. But saying no to a girl in the Indian context did weigh heavily on me.


HOW WE GOT BACK TOGETHER AGAIN:

I thought she'd get over it soon. But she didn't and kept in touch with me. That's when I began to think I might have made a wrong decision, and that she really wanted to walk with me in life.

I contacted her mother, who was not too eager. But the talks started again and we agreed to re-unite.

HER MOTHER WAS A NEGATIVE INFLUENCE:

Her mother kept talking ill of us to her daughter. I thought since my fiancée is with me, things will improve with time. But again her spite came to the fore as she devalued me in her talks and tried to make me feel lucky to have her in my life. She seemed only to talk on top of me, rather than with me.

One time I was to meet her family in a local mall, at 5:00pm. I left office early. After I arrived there, and called them, her mother said, "First we'll bring our daughter home from hospital (she had gone there to take her training letter), and then she will rest. Then after that we will come.” They were insensitive towards me. I waited for 3 hours alone.

My mother-in-law never talked positively about me. During our courtship period when my to-be wife was at home, nearly every day my fiancée informed me that mom was crying on remembering what all she had to go through after her own marriage, and how she was mistreated. I immediately always asked my fiancée to take care of mom, and we can talk later. But what she and her mother did when I needed attention is really a sorry picture.

WE GOT MARRIED AND THE REAL TORTURE BEGAN:
We got married. 
I had told my wife everything about myself in various meetings, hoping she'll value them. But after marriage I realized she and her family were just happy being "in demand" every time I wanted to meet her and their egos were inflated.

My wife said she was different, and wanted to achieve something in life. But she played double standards. To me she was different, and behind my back she would be the opposite. When asked to work, or do social service in her capacity, she always skirted the issue. She always put my family down and criticized them on anything she could think of. She thought it was cool to insult everyone, as she didn’t feel wrong about it.
She knew how to play her cards right. She knew how to fire guns on other people's shoulders. She would take all the care given to her, and then later on she would always make sure to belittle the care given, and invent a mythical problem that arose because of it.

SOME INCIDENTS I WOULD LIKE TO QUOTE:

1. Once when my wife was visiting her hometown and it was under curfew after riots, her parents criticized me on bringing her safely home from their house. Instead of seeing my love for them they treated it as a case of dominance on my part.
2. Another time, my wife told me in passing that her eyesight felt weak; I immediately took her to a senior doctor and got her spectacles made. This was my care. But I was ill talked about for this also among herself and her mother.

3. I used to massage her head whole night and take care of her when she had headaches or was sleep walking; and this was so regular that I myself could not sleep. I never complained or told her because I cared.


4. My parents used to sleep in a room with a fan and no inverter backup, and made us sleep in the AC room in summers. But she never even appreciated their love.

5. I was always proactive in solving her problems. There were many instances when I asked her something out of concern, and she first shot back at me, then misrepresented the statement to her friends and family, and gave me a bad name.
6. She never tried to sort out any problem by discussing with me no matter how much I tried. She insulted me tactfully wherever she could. She would ignore my discussions by being non-responsive. And later she would misrepresent the while episode and talk ill of me behind my back, and gain sympathy.


HOW SHE NEGLECTED MY GENUINE NEEDS
7. When I had fever she refused me to give me a blanket; frowned or made faces when I asked for medicines; refused to cut her nails to apply medicine on my wound (as the nails were hurting my wound). She would also start talking to her mother/brother on her mobile so that she could avoid my “DEMANDS”.

8. During my illness, she would use emotional tactics to show how much she is overloaded, although she would take 30 minutes to get off the bed when asked to do anything (no exaggeration here). Her parents came to see me when I was bed-ridden, and next day took my wife for a day off. I wondered why did they take her along if they really thought I was ill, and why did not my wife even say once that she needs to be with me.


9. After a few days she left me for a "vacation" to her parental home when I was bed-ridden with cervical pain attack (and mind it, she is a physiotherapist). And her mother also supported her in this regard (on the pretext that as train tickets have been booked, the cost would be unbearable to them. Cost of tickets: Rs.750. If cancelled: Only Rs. 60 would have been cut). 

10. After 3 days of staying at her parental home, my wife started saying that it is God’s wrath for my bad karma that I am going through all this.
11. And my mother-in-law tried to get it into my wife's head that she is not free in our house, because she is not able to talk to her at 10:30pm every night, to which my wife readily agreed; and turned hostile to me.

12. When my wife was pregnant, instead of trying to calm her down, my mother-in-law fuelled anger in her towards me even when she was best looked after. Why? Because it was a power game and it satisfied her ego of being in the picture in my domestic life. Result? She was successful in turning my wife against me.
13. My wife killed me in her head. After returning back home, even if I used to ask "Please tell me why you are angry, or what the problem is, that you are not even talking to me..", then she would just play songs like "Love aajkal: "Dunia ki to fikr kahaan thi, teri bhi ab chinta hat gayi.." and all that, and would dance and enjoy by herself, ignoring me completely. She was totally uncaring towards my mental torment.


WE CONSULTED LAWYER/COUNSELLOR/PSYCHOLOGIST
14. But I kept thinking "What have I done?" My wife did have a psychological problem, which was ascertained later. But after a few months she actually became proud of her problem; because she knew how she could easily use it to her personal benefit. She has managed to totally crush my existence.



15. Before we went to a psychologist, she felt the need to go to a counsellor. I arranged for a senior lady lawyer so that she could speak without hesitation and we could understand the problem. I left them alone. I was shocked when my wife presented the so called facts as: “Oh you know it takes a lady 2-3 years to adjust after marriage. These people just don’t understand that. That’s what the problem is. And my husband doesn’t want to solve my problems. And he insults my parents which I don’t like.”
16. I felt betrayed! Here I was putting in days and nights to solve everyone’s problems in the best possible way, and she presented the problem in an absolutely different picture, that did not even exist!  

17. Privately, she would keep saying to me, “Oh! This is all because of my childishness. I am just a child. You should ignore it." But in front of the counsellor, she projected a matured picture, holding me responsible for all problems.

18. She was the one making fun of my family. She made her whole bunch of relatives speak ill about us when my parents went to their house. And whenever I tried to talk things out with her, she was immediately offended.

19. I felt that the lawyer was very convinced that I was at fault. It was then I had to speak up, and gave details of how my wife was misunderstanding and misrepresenting things and blaming everyone for problems that are non-existent, and only in her head.



20. The feedback given to her was that she should plain-speak with me rather than playing games, because I am not that type of person, and this could cause frustration and anger in me with time. And second, that she should always first discuss things with me, only then go on to do something, because I was like that too. But she never respected any of these feedbacks.
21. For some time she would become very sweet, giving a sign of relief to us that now things will be fine. And suddenly again make an about turn that would leave me baffled. She would discuss something with me, or accept something, if it fulfilled some other hidden motive of hers, which I might get to know only much later by chance.


SUICIDE THREAT
22. Whenever I asked her for support, either her ego would come in the way (and she would not help me), or she would threaten to commit suicide. I was nearly stopping her every day from committing suicide on one petty issue or another. But I kept it to myself because I hoped my love would ultimately win. It was a big mistake to hide it, because overtime her tendency, and my frustration increased. I saw that in order to not help me and divert attention to herself, when actually I needed her attention, she tried to run to the kitchen to commit suicide. And the next 2 hours I would be sympathizing with her and cooling her down. For her, no one mattered other than herself.

23. The psychologist told me that these type of people hardly do anything in life, and are extremely self centered; and how much time they will take to change, no one can say. But they don’t change completely. And her mental problems are because of bad upbringing.

24. No matter how calmly I tried to sort out things by talking to her, she would remain silent, until my cool would wear off after many days. And then she would say I’m not worth talking to in front of everybody. In front of the psychologist she would say she wants to talk calmly. But as soon as she returned home she would start doing the same things without a bit of change.

25. What game she was playing was beyond my comprehension, because I did not know she was playing a game. I only noticed that since the beginning she was lashing out and convicting me of things I never did, and if I ever tried to talk to sort out any problem she would either sleep or just remain silent.


HOW SHE USED OUR CHILD FOR BLACKMAIL

26. She was so power hungry that if NOT feeding the baby solved her purpose, then she even did that. And as I didn't know how to influence this attitude, I could not even persuade her to learn breast-feeding properly, though I was insisting to her to learn since the first day the baby was born. She simply did not respond to my plea, as if I was talking to walls.

27. She used to ignore even the basic hygiene standards that the doctor told her before feeding the baby. She did not listen to the doctor carefully. Why? Because it hurt her ego and she felt she knew everything. After 5 ½ months a situation arose in which her asking the doctor suddenly became advantageous to her, so she asked how to feed. The doc was also surprised that he had to teach it from the beginning, as her method was completely wrong. How pathetic.

28. She would place the baby’s clothes in the garbage or on the toilet broom. On bringing it to her notice, she felt offended and devised plans to take revenge on me. Still she always thought she is doing enough (no matter how devastating it was). My wife always keeps her interests above my son's. I cannot detail everything here, but the intensity of incidents is far too great. This agitates me, because no matter how calmly I try, she never stops playing devious games with me to be in power. Had she put in so much effort to feed the baby, he would have got a stomach full of milk. Still, she would never leave a chance, or create a chance, to use the baby in order to increase her influence and dominance.

29. My wife rather than correcting her position of holding the new-born baby, preferred to have an argument with me when I brought to her notice that her position will cause injury to the spine of the baby. This big was her ego. No matter how respectfully I tried to involve her into discussions and get her opinions, she would never initiate talks and act dumb. And later on put all the blame on someone else.

HOW I FELT:
Her love is more of a show business rather than actually being concerned for anyone. And so is her mother of same attitude. They love devastating other people's image in front of the world, and they also do NOT love their children, they only know how to emotionally cripple them so that they can have them in control, thus satisfying their ego.

And all of her behavior was not due to mood swings. It was micro-managed by her mother. My wife would demean me in public. She would say that I don’t even hold the baby (who was just 1 day old then), trying to imply that she is the one who looking after everything. She never tried to see my concern for the child and her, because power games and opportunities is what all mattered to her.

She ignored all the occasions when I or my family took utmost care. Yes, this all did make me bleed, because I hated power games, and she left no stone unturned to kill me emotionally, distress me, tactfully ignite agitation and rage in me, use that agitation for her own benefit of playing power games, and make me run as a pawn on her chessboard. 

HOW HER MOTHER CONTRIBUTED TO OUR PROBLEMS

30. After a lot of efforts on my part, she at last spoke to her mother, “I did not understand things correctly initially. Now believe me that things are ok.” And my mother-in-law, instead of supporting her shot back at her screaming, “I have taken care of you for 25 years. Am I your foe?” And my wife was silent as if dead.

31. And when my mother-in-law was talking ill of me then how calm my wife was. She did not feel it within her to talk about how much I have suffered, how much our son has suffered.

32. I tried so many times to talk to her on how to reduce stress levels in the house. But neither did she respond, nor did she take a real initiative. She used to say until recently, “I didn’t know how bad my parents are. I have to speak up against them”. And I responded, “No. All we need is a better understanding. I don’t support you speaking against your parents.”

33. Later on I came to know it was all a façade, and behind my back she was just cutting me down and gaining sympathy. Which person can take such treachery?

HOW MY PROFESSIONAL LIFE SUFFERED

34. From being the best performer of the team I have turned into something very redundant at office, due to all these nuisances and dramas. 


35. She put me in a drastic situation by making me talk to some office guys about our issues, who back-stabbed me to gain control and threw me out of my position, while disguising themselves as my guides. And much later on, and after much enquiry, she admitted that she was unhappy that’s why she did that. 

HOW I BECAME AN EMOTIONAL WRECK:

36. At one time even my mother was convinced that I was at fault. I had a hard time bringing about the truth, and after that my wife changed the game pattern. I had many times earlier fallen on her feet to stop politics in the house, but she was a stone. I pleaded numerous times that there are so many problems people are facing in this world, why are you creating some when there are none; can’t you just be happy. But no, she was adamant to grow a monster inside me so that she could show she is better and cleverer than me, therefore she should rule.
37. Such people are too deceptive. My wife can at once play dumb, play mature, present the nature of things absolutely differently from what they are and can be so charming that no-one can believe she can be so mischievous.

38. Whatever she has ever said for me was only situational, trying to get the maximum out of it. That is why on my face she says she loves me, and she cries about how much she has hurt me; and behind my back she is the first one to stab me and insinuate against me.  She was constantly pushing me to depression.

39. My heart bleeds that what a contrast there is: On one hand there are ladies that are jewels, and really deserve power they don’t have; and there are ladies who, when given the whole power, use it only to control their own people and destroy the peace.

THE PRESENT SITUATION:

40. My wife has taken my child to her parental home (she went on the pretext that she will tell her parents of their wrongs), but again after 3 days she started playing games with me. She has maligned me among her relatives and vowed never to come back. She yelled at me on the phone, “What am I getting? Who trusts me?”   

41. It’s been over 2 ½ months since she decided to cut communication with me. I am devastated, and a lost man today.

42. There is a limit to what each person can endure. Should every good man be inflicted with all the pains possible, till the time either he succumbs to the illicit demands and stops thinking, or crumbles and loses mental stability or revolts so that he can be labeled as bad. And until that time, the person inflicting pain would be scot free. How fair is that?

43. It must not be overlooked that her mother too did a lot of dramas after her own marriage, and made a lot of scenes. And she has always fuelled her daughter to speak up for her “rights”, without teaching her responsibilities. And the view of the psychiatrists must also not be overlooked. Each person’s social capability must be assessed too.

44. It is vital that today’s woman now accepts a bigger role. Rather than only standing up for her due, there is a need for her to assume a bigger role in society and stand up for the weak and take a stand against the unjust; and view it above gender.


45. Yes, men can be weak too. We are all human. And I am not at all ashamed to admit that I am weak in politics and working with people or managing adult people who are undisciplined by will. This is the first thing I admitted when I met my to-be wife; and how well she used it.

46. I know it is a legal right of every woman to take care of her child up to a certain age. And I agree that 90% of the women will do that very responsibly; but with the carelessness that has been inculcated in my wife by her own mother, we can see what lies ahead. The emotional build up of my child will be affected in such circumstances. The problem here is very much bound to transfer from the mother to the child in the circumstances I am referring.

47. As my wife’s mother’s problems were transferred to her and her brother as well as her husband with the passage of time, we need to look more carefully at these cases. Otherwise more families will be devastated and affected in the future.

48. I beg you to take action. I worked with the best of interests, and with all the little skills I had, but the problem is much bigger. This is no less than domestic terrorism, and no greater form of emotional corruption exists. Had my wife not grown with her mother, she would not have had these problems today.


49. I admit NCW has its defined area of work, but still I'd appreciate if programs could be started to educate today’s people: "Don't just know your RIGHTS, respect them and know your RESPONSIBILITIES too."

50. My mother-in-law would remark, “Nowadays there is no concept of ‘ladkiwalas’ or ‘ladkawalas’. I never understood why she said that, because we never thought of them as unequal. Little did I know it actually meant, "We won't respect you, since we are equal.”

I think they have developed a very wrong picture of "equality". It should have never meant lack of humbleness, but actual mutual-respect. In such circumstances there should be ways to bring these people to psychiatrists by the process of law, as this would lead to lesser frustrations (at least the law should be aware of how much mentally I am suffering). Otherwise it leads to huge amounts of frustrations and agony; and results in situations like mine, or even worse.

MY CLOSING APPEAL TO THE NCW:

I urge the NCW to note a very important angle to “women’s rights/empowerment". Where on one side there are ladies, who would help move the nation forward if given enough rights, because they respect their responsibilities;  on the other there are those who do not want to own any responsibilities, but love snatching others’ rights. In short, all they want is autocratic dominance without being responsible for their actions.

Though what I’m saying is nothing new and is very often even joked about, how destructive it can become, I never realized until I faced it myself.

I do agree that many women don't have sufficient powers that are their due, but there are also women who actually gain sympathy in society because they know how to use these very women’s sufferings and challenges, and project them as their own to gain personal benefit only.

And I'm not only talking about ladies. I admit there are both men and women of such kind that really need law enforcement. I could not understand what game was being played with me until I recently read: "Nasty People: How to Stop Being Hurt by Them Without Becoming One of Them" by "Jay Carter".  But it was too late.

It’s astonishing that almost everything written in that book has happened to me. And then I was taken by shock when I saw the documentary "Dear Zachary: A Letter to a Son About His Father". Why was I shocked? Because the sentence framing, and the way of doing and projecting things in order to snatch and show power/influence as done by Dr. Shirley Turner, are strikingly similar to that of my wife.

Who can take that, when he is trying to work for everybody’s happiness. Why am I writing all this? Because I want to put across this message to all the ladies that are actually suffering, that there are ladies out there who are encashing on your sufferings for personal benefits (and actually working against the very society that YOU are trying to build). By shooting on your shoulders, they are actually weakening your dream. And until you speak out against such crimes, nothing is going to happen.


……………………………………………………………………………………………………………………………………………
Dear reader, please remember your comments are eagerly awaited! And please spend a few seconds to take the poll on your right, its anonymous like the comment section!

Monday, October 3, 2011

FURTHER TO PAYPAL POSTS

The FAQs on the following link answer most queries for Indian PayPal users

http://www.paypal-apac.com/india/

JUST AN ASIDE: forget about answering my queries on automatic fund transfers, a certain bank in India in which I have an account, asked me "WHAT IS PAYPAL"!!!!

LOL.....I found myself explaining to my bank contact what is PayPal.....  

Friday, September 30, 2011

VERY IMP INFO FOR INDIAN PAYPAL USERS

INFO FROM PAYPAL SITE on following urls

https://www.paypal.com/helpcenter/main.jsp;jsessionid=jdhGTFLLmT1LnrsYDmRC3bCyK8n6k7ylx2WWDNkRqt01mV2gPFzt!-1846234846?t=solutionTab&ft=homeTab&ps=&solutionId=16732&locale=en_GB&_dyncharset=UTF-8&countrycode=IN&cmd=_help&serverInstance=9004

What features do Personal accounts offer?

With a Personal account, you can send money to almost anyone with an email address. You can send and receive some types of payments with no fees, and pay low fees for others. For complete information, see the fees section of our User Agreement.

Note: Unfortunately, we’ve had to stop allowing personal payments to be sent to and from India. If you’re sending money for a personal payment to India, we ask that you find another way to pay until we’re able to restore personal payments to this area.

https://www.paypal.com/helpcenter/main.jsp;jsessionid=jdhGTFLLmT1LnrsYDmRC3bCyK8n6k7ylx2WWDNkRqt01mV2gPFzt!-1846234846?t=solutionTab&ft=homeTab&ps=&solutionId=164040&locale=en_GB&_dyncharset=UTF-8&countrycode=IN&cmd=_help&serverInstance=9004

Can I sell with a Personal account?

Personal accounts are primarily for sending payments. Personal account holders can receive a limited number of payments funded by credit cards each year, and pay a small transaction fee for each.

To see the fees for receiving credit card payments, click the Fees link at the bottom of any PayPal page or click here to see the Fees Schedule.

To see your Personal account limit, log in to your account and click the View Limits link.
 
Dear reader, please remember your comments are eagerly awaited!

Wednesday, September 28, 2011

How to avoid online identity theft or phishing


My online journey has revealed this very useful info........want to share it with all those who visit this blog......

Pay Pal Frauds and Pay Pal Email Scams



The below contents have been prepared by the Kaisilver network team and they have tried to keep the content as simple and non-technical as possible. The information is provided in public interest and is not intended to make a campaign for or against Paypal. The basic safety tips mentioned above will be useful for users of any online service where confidential information is to be accessed after a validated login.

What Is Phishing Of A Pay Pal Account?





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What Is Pay Pal?
Most of you would already have a fairly good idea of what pay pal is. In short, it is an online payment system that has become very popular in recent years. Pay pal can be used in numerous countries but the complete set of pay pal account features are not available in all countries. The recent takeover of pay pal by ebay has further increased the number of accounts with pay pal as, it is being flaunted as the preferred mode of payment for ebay auctions. If you have absolutely no knowledge of pay pal click here and you will find a small write up on what is pay pal and similar details. Most of you could ofcourse skip that section.


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About Paypal Fraud
When talking about online payment systems like pay pal or bank payment, the term fraud is expected to be related to the payer or the payee. A pay pal fraud could thus mean that the payer uses a bad credit card to fund his pay pal account. It could also mean that the payee (receiver) does not provide the merchandise or service for which he was paid through pay pal. However, the most dangerous pay pal frauds of today involve a fraudster who is neither the payer nor the payee. The pay pal frauds that we refer to are those where a third person (fraudster) steals the pay pal account of a person and then uses (or rather mis-uses) the funds in the pay pal account. For any online payment system, the most important information that would be required to access the account would be through a username and password to login to the account. A common pay pal fraud involves an attempt by a fraudster to get the username and password of pay pal accounts that belong to others.






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What Is Pay Pal Phishing?
As explained above, the most common pay pal fraud is where the fraudster attempts to get the login details of a pay pal user. Armed with the username and password of a pay pal account belonging to someone else, the fraudster can now perform transactions in that pay pal account as if it belonged to him. Anyone dealing with this fraudster would be under the impression that he was infact the true owner of that pay pal account. In technical jargon this is referred to as stealing the identity of another person, and has been given the name 'phishing'.

Online identity theft has now become a lucrative profession for many and pay pal phishing has recently increased at a remarkable rate. However, it does not mean that everyone should stop using their pay pal account in the fear of becoming a pay pal phishing victim. You can keep your account safe and secure by following a few simple precautions and these are listed lower down on this page. The most common way that pay pal phishing occurs is through emails and the next paragraph explains pay pal email scams in more detail.







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Pay Pal Email Scams
Almost all pay pal phishing is done through email scams. The content of the email could vary, but every pay pal email scam tries to convince the victim to disclose confidential information. The email might suggest that an update is needed to be done on the pay pal account and the victim is then urged to click a link (on the email) to access the pay pal login page and complete the process. On clicking the link in the email, the victim is taken to a web page that looks very similar to the actual pay pal login page. When the username and password are entered on this page, the information is made available to the fraudster as the page displayed is not a genuine pay pal web page at all. This page is hosted by the fraudster on his own website and the login details entered on this page would no longer be confidential and secure. A pay pal email scam is generally mass mailed to many people and few innocent victims fall prey each time. It is very important to note that when you read the link in the email, the URL would appear as a genuine pay pal website. However, this is just the display and the real URL would be hidden inside the source of the email. Merely, checking the link in the display is not enough to ensure that the email is genuine.

We will now list a few types of email content that you can expect to find in a pay pal email scam.

(a) The most common email scam used for phishing a pay pal account contained a message that said that the pay pal account needs to be updated. The reader is urged to login to his pay pal account by clicking a link on the email itself. The email also claimed that failure to update the pay pal account would result in a suspension of the account. The link on the email would lead to a web page owned by the fraudster who would then record the login details for evil intentions. We will repeat here that, the link would appear to be a genuine pay pal link in the display, but the actual URL would be hidden in the source code of the email.

(b) A slight variation from (a) would be where the email states that pay pal has noticed some illegal or abnormal activity in your pay pal account. To correct the situation, you are asked to click a link on the email and ensure that your records and information is updated. This pay pal scam email also warns of account suspension if action is not taken in the next few days. The surprised victim quickly accesses the link (in the email) to ensure that his information and funds are safe in his pay pal account. Clicking the link results in the same scenario as in (a).

(c) As the contents of the above pay pal email scam came to be known, people became careful and realized that the email was nothing more than a pay pal fraud. This led to emails with slightly different content and the payment received email started becoming popular. In this pay pal email scam, the email claimed that there were funds waiting to be received into the pay pal account. Once again the user was asked to click a link in the email to accept his pay pal receipt and update his balance. For frequent users of pay pal, this was assumed to be a genuine email and many fell victim to this email scam. The result of clicking the link in the email was similar to what would happen in (a) above.

(d) Fraudsters never run short of evil ideas and another content for pay pal email scams soon emerged. This referred to adding a new email address to the pay pal account. Every pay pal account needs at least one email address to be connected to it and this forms the login name for the pay pal account. You can however add multiple email addresses to a single pay pal account and the email scam used this to trick victims into logging into their pay pal accounts by clicking a link. The email states that a new email address has been successfully added to the pay pal account. The victim is surprised to receive this email, as he would not have added any new email address to his pay pal account! It is then no surprise that, the victim would click the link in the email to access his pay pal account and find out what was going on. What followed would be the same as in (a) and (b) and the pay pal login details would no longer be confidential.

(e) Another type of pay pal email scam takes even the experienced online user by surprise. The email comes up with a content that says that, your pay pal password has been changed! The email contains a link that claims to take you to the pay pal login page. Most victims would like to log into their pay pal account immediately and ensure that the old password was still working. The link on the email is once again a trap set up to gather confidential pay pal login information.

The above are the most popular pay pal email scams that are used to perpetuate pay pal frauds. The list contains the type of email content in use so far, but you can rest assured that the innovative ideas of these online fraudsters will never cease. We have therefore included a section here where simple suggestions are provided to help keep your pay pal account more safe.







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Avoiding Pay Pal Fraud And Pay Pal Email Scams
Inspite of the security issues mentioned above, not using pay pal is not the solution. This is because almost all financial transactions made online suffer from phishing and email scams. Customers of reputed international banks are also becoming victims of identity theft (phishing). It would therefore be useful to follow a few simple suggestions that will reduce the chances of your pay pal account being phished or hacked in some other way.

(01) Remember the email address registered: When you register for your pay pal account you will need to register at least one email address with the account. This email address along with your password are the two vital pieces of information required to login to your pay pal account. Fraudsters who use pay pal email scams to defraud innocent victims, use a random method of mass mailing emails to hundreds of email addresses. Some of these email addresses may never be registered with a pay pal account! When you get an email that is supposed to have come from pay pal, ensure that the email address to which the email was received is actually the email address that you registered with pay pal. If not, then ignore the email and delete it from your system.

(02) Never Click An Email Link: All pay pal email scams urge you to login to your pay pal account by clicking a link on the email. The emails themselves look very authentic and display a link that relates to a valid pay pal link. However, the link displayed on the email and the actual URL that it leads to are not the same. This is a bit technical but we will try to explain it in simple terms. The displayed link on the email when clicked, would take you to a web page that is not the link being shown. This web page would belong to the fraudster and looks very similar to a real pay pal login page. When you enter your login information here, it is received by the fraudster and he can then access your pay pal account just as he pleases. The best way for you to access your pay pal account is to open your web browser and type the entire name of the pay pal website. Do not even select the website name from the list of previously visited websites that most broswers keep for future reference. Never click a link in an email to access your pay pal account, this is the most important step that will help you stay safe from most pay pal frauds and scams.

(03) Changing Of Passwords: If you ever feel that the safety of your pay pal login information has been compromised, remember to change your password. To do this, enter the pay pal website through your browser as explained in (02) above. It is always a good idea to periodically change the password for your pay pal account, but this becomes all the more necessary when you notice any untoward changes or updates in your account.






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General Safety Tips For Your Pay Pal Account
(01) Choosing A Password: Your pay pal account could easily become a victim of a pay pal fraud if, the password you choose for your account can be easily guessed by others. Using your first or last name or a close variation of the same is surely not a good idea for a password. Many users love to use their name or even a close resemblance to their phone number for a pay pal password. Choose a password that is difficult for others to guess and yet not so difficult that, you will need to glance at a written note each time you want to login to your pay pal account. As an example, a password created by adding the first three alphabets from your mother's name to the last three characters of your fathers name and then appending your year of birth would be a good password. Do not attempt to use the same password for all your online access like emails, pay pal account, bank account etc.

(02) Periodically Check The Account: Depending on how much funds you have in your account, a pay pal fraud could be financially crippling. It is therefore a good idea to periodically login to your pay pal account and check the records for any strange or unexpected transactions. This is all the more important if you have funds in your account but do not use the pay pal account very often. If you plan to leave your pay pal account dormant for a long time, withdraw the balance that exists, into your bank account. If you see any strange transaction in your pay pal account suspect fraud and ensure that pay pal is informed about it. At the same time change the password for your account so that further damage can be stopped.

(03) Using A Public Computer: It is not safe to login to your paypal account when using a public or other shared computer. Malware programs (programs written with bad intentions) can record your login details and make them accessible to fraudsters. There is really no way that you can check and ensure if the shared computer you use is safe for doing confidential financial transactions. Office computers might be safer depending on the type of computer infrastructure that is available. Most offices install various security devices that are capable of keeping out such malware programs.

(04) Never Click An Email Link: This has already been explained in detail above. Most pay pal email frauds and email scams attempt to get your confidential pay pal login information by urging you to click a link on the email. Never click a link in an email to access your pay pal account, always enter the full name of the pay pal website and access it through your browser.

(05) Separate Bank Account: Pay pal accounts in certain countries can be linked to a bank account and infact pay pal accounts in all countries can be linked to a U.S bank account. It would be easy to monitor your pay pal account if you maintained a separate bank account to be linked to your pay pal account. A double check is possible for picking out suspicious transactions as the bank statement and the pay pal account history can always be cross checked. A separate bank account will also help limit damages if you ever become a victim of pay pal phishing or other pay pal email scam.

(06) Logout When Finished: This is a good habit when accessing any online website that required you to login. Online payment and financial websites like pay pal and bank accounts are very confidential so treat them that way. It is not a good idea to remain logged in and merely minimize the web page. You might ultimately forget to logout and leave your account wide open for people with bad intentions. If you are not in the habit of logging out of your account, remember that this could have added dangers when accessing your pay pal account from a shared computer like in an office. Pay pal frauds can be committed easily if your pay pal account is already logged in as no further login details will be required to use the account.

Monday, September 26, 2011

Dog Directory SearchA REAL-LIFE DOG STORYGot Food

There is a well-to-do household in the picturesque hill station of Mussoorie, which has seven members; Mother, Father, Son No.1, Son No.2, Grandmother, Grandfather and the dog Hitler. This is Hitler’s story.



Son No.1 was ten years old when his brother, Son No.2 was born. So, he said to his parents, “Now we only need a puppy to complete the family.” His mom said, “Look, that’s not gonna happen. I will go back to work once your brother is a few months old and you will have to help to keep an eye on him. Who will have time to look after the dog?”



Son No.1 pleaded, “I will manage everything mom. Just please agree to get a dog, please!!!”



Father intervened, “Listen son, getting a dog would be a big responsibility. He will need to be bathed, fed, vaccinated, taken for walks and what not!”



Son No.1, “But dad you are a veterinarian! With you around, how can taking care of a dog be a problem? You do help mom around the house, especially when she is away at work. We will all manage, dad, please! PLEASE!”



Cornered by the incessant pleading, Mother and Father promised Son No.1 that they would get a dog as soon as they had built a bigger house, in which the dog would not be a nuisance to anyone. Pacified, Son No.1 agreed to be patient.



Five years went by…..the large four-storey house was ready and Son No.1, now 15 years old, started hounding his parents about the promise they had made of ‘completing the family’.
Basset Hound

So, Hitler, the Basset Hound, was purchased for rupees 30,000 and brought home with much fan-fare. Son No.2, who is five years old, was the first one Hitler took a liking to. But the others didn’t really mind, as they all enthusiastically discussed the various responsibilities they needed to take-up for Hitler’s sake.



Mother would provide food, Father would take care of vaccinations and fleas, Son No.1 would take Hitler for morning/evening walks and help the maid in bathing the dog. Son No.2 would play with Hitler, Grandmother and Grandfather would potty-train Hitler, just like they did their grandsons.



It all worked out fine for about a month. And then, the potty-training became too tiring for Grandmother and Grandfather, due to their advanced age. Mother volunteered to step-in. So, every morning at day-break she would urge Son No.1 (walks were his domain) to accompany her and Hitler for the morning session, as soon as Hitler (now quite potty-trained) started whining promptly at 5am.



Soon the maid complained that the bathing ritual was quite messy and took too much of her time as she had other households to report to. So Mother soon became the partner with Son No.1 for the doggy-baths.


Next, Father became too busy setting-up his own veterinary clinic in which he charged hefty sums for vaccinations and flea-combat, so why would he want to provide ‘free’ services at home? So again, Mother stepped in.


Son No.2 was now too interested in the new robots and toy planes he got for his birthday, to want to throw ball for Hitler, so Hitler would innocently lodge the ball in his jaw and run behind Mother, looking up pleadingly at her with his puppy eyes. So in between preparing food for the family and checking office e-mails, Mother would throw ball for Hitler.
  
Many months of this later……Son No.1 had started protesting every time Mother woke him at the crack of dawn. It was now winter and 5am often came without the sun putting in an appearance in the sky. Mother now started having restless nights as she wasn’t sure if she would be alert enough to hear Hitler’s whining. It was usually still dark as night, at day-break.


So one day, Mother suddenly woke-up, shook Son No.1 awake and they dragged themselves out of bed, put the leash on Hitler and went for a walk. It was dark. Try as much as they did, Hitler refused to do his morning potty. They thought he needed a run, so run they did for about half an hour on the hill road. Still no potty! They then decided to give-up and took a u-turn for home. It was a walk of at least 45 minutes back home….
                                                   
Surprisingly, as they neared home they couldn’t see any of the other dog-owners-dog-walkers, whom they generally encountered each morning. All was quiet, all was dark. Something was definitely odd! Mother looked at her watch and was aghast to see that it was 3am!!! She and Son No.1 had been out with Hitler for morning-potty, since 1.30am….. Mother looked at Hitler and he wagged his tail happily….        



MORAL OF THE STORY FOR THE MOTHER



"Let sleeping dogs lie."
- Charles Dickens



AND



"If you stop every time a dog barks, your road will never end." - Saudi Arabian Proverb





MORAL OF THE STORY FOR HITLER



"When a man's best friend is his dog, that dog has a problem."
- Edward Abbey
                                                                    


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